A foreign investor borrowed $24 million for the acquisition of a 450,000 square foot industrial park in Denver, Colorado at a purchase price of $36 million. The mortgage loan was a 30-year fully amortizing fixed rate loan at an annual contract interest rate of 5% payable monthly, and the borrower was charged two points by the lender that was deducted from the loan amount at closing. If the monthly payments on the loan were paid on time each month and if the loan was carried to maturity, what was the effective annual yield on the loan through maturity? \begin{tabular}{l} 5.28% \\ \hline 5.18% \\ \hline 5.38% \\ \hline 5.08% \end{tabular}